Calculate how inflation erodes purchasing power over 5, 10, 20, or 30 years and discover required future living budgets.
Calculate expected maturity wealth from systematic monthly mutual fund investments using compounding formulas.
Compute fixed deposit maturity value with quarterly, monthly, or annual compounding and senior citizen rates.
Calculate the Compound Annual Growth Rate between initial value, final value, and investment duration in years.
Determine the Extended Internal Rate of Return for irregular cash inflows, dividend payouts, and redemptions.
Estimate returns across equity, debt, and hybrid mutual fund categories with historical benchmark comparisons.
Comprehensive loan EMI calculator with instant presets for Home Loans (8.5%), Car Loans (9.0%), Personal Loans (12%), and Education Loans (10%). Includes monthly & yearly amortization schedule and principal vs interest visual breakdown.
Understanding the Consumer Price Index (CPI), the Rule of 72, and real vs nominal rates of return
Inflation represents the persistent, systemic increase in the general price level of goods and services within an economy over time. When inflation runs at 6% annually, a basket of groceries, medical care, and education that costs ₹1,00,000 today will cost ₹1,06,000 next year.
For long-term savers, keeping capital in zero-risk savings accounts yielding 3% while inflation runs at 6% results in a negative real return of -3% annually. Over a 20-year retirement horizon, purchasing power is quietly halved.
The future inflated cost of an item or lifestyle expense is calculated as:
Future Cost = Current Cost × (1 + r)^t
Where:
To calculate how much ₹100 in the future will be worth in today's money (Present Value of Future Cash):
Present Value = Future Value ÷ (1 + r)^t
A quick mental model to determine how rapidly inflation cuts purchasing power in half is the Rule of 72:
Years to Halve Purchasing Power = 72 ÷ Inflation Rate
At an average retail inflation rate of 6%, your money's purchasing power halves every 12 years (72 / 6 = 12). At 8% lifestyle/education inflation, purchasing power is halved in just 9 years.
How Inflation Calculator processes files securely inside your device memory
Every byte of your file is loaded directly into browser ArrayBuffers. Data is processed in volatile sandbox memory and flushed immediately when you close or refresh this tab.
Calculations and image matrix transformations leverage client-side GPU / Canvas2D engines for zero-latency output without server queuing or rate limits.
Generated files strictly follow international ISO specifications (JPEG JFIF, PDF 1.7, Web Crypto API) to guarantee acceptance on all official portals and banking systems.
Quick 5-step guide for instant results
Input today's cost of the goal (e.g. child's higher education, annual groceries, or retirement expenses).
Choose an appropriate inflation rate (typically 5–7% for general living, 8–10% for education/healthcare).
Set the number of years into the future you wish to forecast.
View the inflated cost requirement alongside the eroded purchasing power of a flat savings balance.
Use the projected inflated cost to calibrate your required monthly equity SIP target.
Common questions and verified answers about Inflation Calculator